MS Bank Of Small And Medium-sized Enterprise Loan Business Problems And Countermeasures

As small and medium-sized enterprise’s contribution to the national economy is more and more big, more attentions have been paid by the government to the development of small and medium-sized enterprises and a series of laws and regulations have been carried on its development. However, the great number of small and medium-sized enterprises, small industry scale, low credit level as its characteristics, making its financing is very difficult. For short of financial support, the enterprises development is impossible. The commercial Banks occupy the important position in enterprise financing, according to the reason of loans difficult of small and medium-sized enterprise, finding the way of how to help small and medium-sized enterprise development from the perspective of commercial Banks, this paper mainly studies on the MS Banks some questions in there inside and outside and gives the corresponding countermeasures.This article through to credit rationing theory, theory of information asymmetry, particularly the information asymmetry of bank internal and external situation is analyzed, combined with the MS Banks in the development of small and medium-sized enterprise loan business practice, to study problems in business. First studies the division standard of enterprises, the kinds of MS bank financial products in small and medium enterprises. Secondly by MS Banks further investigation and study, analysis the problems in the development of small and medium-sized enterprise loan business, through the summary. Then through to the domestic development in small and medium-sized enterprise loan business is relatively good Banks is analyzed, and combined with the case of MS bank, sum up experience, to improve the market competitiveness of bank of MS. Finally proposed MS Banks countermeasures on the development of small and medium-sized enterprise loan mainly include: to build new type of information communication platform, improve the system of risk management, expand the proportion of salary incentive for a long time, such as improvement of small and medium-sized enterprise loan business approval process.